BlastPoint's Credit Union Scorecard
NORTH MEMORIAL
Charter #16248 · MN
NORTH MEMORIAL demonstrates 3 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.16% above tier average
- + Net Interest Margin 0.96% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,529
+0.5% YoY+0.3% QoQ
|
+1.9K |
2,615
-1.9% YoY
|
26,823
+5.6% YoY
|
33,374
+5.7% YoY
|
83% |
| Assets |
$50.5M
+0.1% YoY-0.1% QoQ
|
+$20.4M |
$30.1M
+2.1% YoY
|
$530.2M
+9.2% YoY
|
$561.6M
+9.7% YoY
|
77% |
| Loans |
$29.9M
-6.1% YoY-4.4% QoQ
|
+$14.2M |
$15.8M
-1.3% YoY
|
$377.5M
+9.0% YoY
|
$397.0M
+8.8% YoY
|
82% |
| Deposits |
$44.5M
-0.5% YoY-0.3% QoQ
|
+$18.8M |
$25.7M
+1.4% YoY
|
$437.6M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
78% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.8%
+7.0% YoY-38.0% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
1.0%
-42.4% YoY
|
0.7%
+15.9% YoY
|
56% |
| NIM |
4.9%
+5.8% YoY-0.4% QoQ
|
+1.0% |
4.0%
+4.0% YoY
|
3.7%
+8.9% YoY
|
3.8%
+5.1% YoY
|
84% |
| Efficiency Ratio |
81.3%
-2.0% YoY+12.8% QoQ
|
-1.2% |
82.6%
-2.3% YoY
|
75.5%
-2.5% YoY
|
79.7%
-3.3% YoY
|
54% |
| Delinquency Rate |
0.8%
+33.9% YoY-24.7% QoQ
|
-0.7 |
1.6%
-3.1% YoY
|
0.9%
+7.2% YoY
|
1.3%
-2.1% YoY
|
54% |
| Loan To Share |
67.2%
-5.6% YoY-4.1% QoQ
|
+6.6% |
60.6%
-3.1% YoY
|
75.7%
-1.2% YoY
|
67.4%
-1.7% YoY
|
60% |
| AMR |
$16,435
-3.3% YoY-2.3% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$23,721
+5.3% YoY
|
$19,687
+2.0% YoY
|
64% |
| CD Concentration |
20.7%
-5.7% YoY+5.5% QoQ
|
-3.7% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.5% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)